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Oscar Health, Inc. (NYSE:OSCR) reported its Q4 2025 earnings on February 10, 2026, missing earnings expectations. The reported EPS was $-1.24489, while the expected EPS was $-0.9214. The earnings call was hosted by an operator named Jenny.

Oscar Health

Defiance Daily Target 2x Long OSCR ETF

Oscar Health, Inc. (NYSE:OSCR) Q4 2025 earnings call transcript

Health-care companies fell amid mixed earnings. Oscar Health shares rose slightly after the health insurer's outlook for moderating medical losses offset a wider fourth-quarter loss. CVS Health shares ticked down even after the drug-store chain and health insurer logged earnings ahead of analysts' expectations. Incyte slid after the maker of cancer drugs and other specialty pharmaceuticals forecast 2026 revenue short of Wall Street expectations. Write to Rob Curran at rob.curran@dowjones.com (END) Dow Jones Newswires 02-10-26 1730ET

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Health Care Down After Mixed Earnings - Health Care Roundup

Oscar Health (OSCR) shares rose after the company provided a 2026 revenue outlook exceeding consensus, despite challenges from Obamacare premium hikes. The firm reported a Q4 2025 GAAP loss of $1.24 per share on $2.8B revenue, missing estimates by $310M. CEO Mark Bertolini emphasized a focus on returning to profitability in 2026, projecting $250M-$450M in earnings from operations on $18.7B-$19.0B revenue. CFO Richard Blackley noted a 28% average rate increase for 2026, with expected elevated churn due to higher premiums. The company anticipates an improved medical loss ratio for 2026.

businessinsider

Oscar Health gains as outlook tops consensus despite Obamacare headwinds

Oscar Health's stock rose in premarket trading following its optimistic full-year guidance, despite disappointing Q4 results. For Q4 2025, Oscar reported a loss per share of $1.24 and revenue of $2.8 billion, both below analyst expectations. However, for 2026, the company forecasts revenues between $18.7 billion and $19 billion, significantly higher than the $12.4 billion anticipated by analysts, and a medical cost ratio better than expected. The health insurance sector has faced challenges due to rising costs and the expiration of tax credits for ACA Marketplace plans.

Sherwoodnews

Oscar rises after upbeat guidance offsets underwhelming Q4 results

Oscar Health has secured a $475 million revolving credit facility to enhance liquidity and support growth. Despite a revenue increase to $11.7 billion in 2025, the company reported a $396.4 million operating loss due to high medical costs. Oscar projects 2026 revenue between $18.7–$19.0 billion, aiming for improved profitability. Analysts rate OSCR stock as a Hold with a $14.50 target, while Spark's AI Analyst gives it a Neutral score, citing ongoing losses and rising medical costs as risks. Oscar Health focuses on affordable, tech-enabled health plans for individuals and small groups.

Tip Ranks

Oscar Health Projects 2026 Growth Despite 2025 Loss

Shares of major health insurers, including CVS, Elevance, and Centene, faced pressure in pre-market trading following subpoenas issued by U.S. lawmakers investigating potential fraud in ACA insurance-premium subsidies. Four publicly traded insurers were affected, with Oscar Health down 4%, Centene down 0.26%, CVS up 0.21%, and Elevance up 0.51%. The subpoenas are part of a broader inquiry by the House Judiciary Committee into the ACA marketplace.

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CVS, ELV, CNC: Health Insurer Stocks Under Pressure as U.S. Issues Subpoenas

Oscar Health's Q4 revenue and adjusted EBITDA fell short of analyst expectations, with revenue at $2.81 billion versus the expected $3.12 billion. The company has entered a $475 million revolving credit facility to strengthen its balance sheet. For 2026, Oscar forecasts revenue between $18.7 billion and $19.0 billion, with a medical loss ratio of 82.4% to 83.4%. The average analyst rating is 'hold', with a median 12-month price target of $17.00, reflecting a potential upside from its recent closing price of $12.66.

Reuters

Oscar Health Q4 revenue misses analyst expectations

Oscar Health (NYSE:OSCR) reported Q4 earnings on February 10, 2026, missing estimates by 39.33% with an EPS of $-1.24 compared to the expected $-0.89. Revenue increased to $413 million year-over-year. In the previous quarter, the company beat EPS estimates by $0.04, leading to a 7.0% share price increase the next day. Historical performance shows fluctuations in EPS and revenue across recent quarters. For more details, visit Oscar Health's earnings calendar.

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Oscar Health Earnings Review: Q4 Summary

Oscar Health Inc. reported its Q4 and FY 2025 financial results, with Q4 revenue at $2.81 billion, a 17% increase, and FY revenue at $11.70 billion, up 27%. The Medical Loss Ratio for Q4 was 95.4%, up 7.3 percentage points, while for FY it was 87.4%, an increase of 5.7 points. The SG&A expense ratio decreased to 18.2% in Q4. The operating loss for Q4 was $333.75 million, with a net loss of $352.61 million. As of December 31, 2025, Oscar Health had approximately 2 million members, focusing on technology and digital health solutions.

Oscar Health: Medical Loss Ratio im vierten Quartal 2025 bei 95,4 Prozent, Anstieg um 7,3 Prozentpunkte

Oscar Health Inc. reported a net loss of USD 443.15 million for FY 2025, down from a profit in the previous year. Total revenue for Q4 was USD 2.81 billion and USD 11.70 billion for the full year. Premium revenue reached USD 2.75 billion in Q4. The company’s medical loss ratio was 95.4% for Q4 and 87.4% for FY 2025. Oscar Health continues to focus on leveraging its technology platform to enhance healthcare accessibility and affordability.

Oscar Health posts FY 2025 net loss of USD 443.15 million, down from prior-year profit

Feb 10 (Reuters) - Oscar Health Q4 operating expenses USD 3,138.982 million. * Q4 adjusted EBITDA USD -307.782 million vs. IBES estimate USD -202.3 million * Q4 net income USD -352.611 million

Oscar Health Q4 Revenue USD 2,805.235 Million Vs. IBES Estimate USD 3,124 Million

Oscar Health, Inc. (OSCR) ended a six-day losing streak, closing at $12.66, as investors anticipate quarterly results showing revenue growth but widening losses. Q4 revenue is expected to reach $3.12 billion, up from $2.99 billion, while adjusted EBITDA losses may increase to $217.8 million. Analysts have mixed ratings, with a consensus 'Hold' and price targets ranging from $12 to $25. ACA enrollment trends pose risks, but Oscar remains optimistic about profitability by 2026. Retail sentiment on Stocktwits is bullish, with users expressing confidence in the company's potential to exceed expectations.

OSCR stock snaps 6-day slide ahead of Q4 results: Can the rebound survive post-ACA subsidy fears?

Oscar Health (OSCR) will announce its Q4 earnings on February 10th, with a consensus EPS estimate of -$0.92 and revenue estimate of $3.12B, reflecting a 30.5% year-over-year increase. The company has beaten EPS estimates 75% of the time and revenue estimates 25% over the past year.

Oscar Health Q4 2025 earnings preview

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Oscar Health Inc (NYSE: OSCR) shares fell 4.33% to $15.02 following a Medicare Advantage update from the Trump administration, which proposed a mere 0.09% payment increase for 2027, far below the expected 4%-6%. This change limits Oscar's pricing power amid rising medical costs. Additionally, disappointing earnings from UnitedHealth Group raised concerns about Oscar's cost trends, as UnitedHealth reported a medical care ratio of 92%. Analysts maintain a Hold rating on Oscar with a price target of $14.64, while the stock shows bearish momentum and is closer to its 52-week lows.

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Oscar Health (OSCR) Slides As Medicare Proposal, UnitedHealth Miss Rock Insurer Stocks

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Oscar Health, Inc. (NYSE:OSCR) Q4 2025 earnings call transcript

Health Care Down After Mixed Earnings - Health Care Roundup

Oscar Health gains as outlook tops consensus despite Obamacare headwinds

Oscar rises after upbeat guidance offsets underwhelming Q4 results

Oscar Health Projects 2026 Growth Despite 2025 Loss